The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,871
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$249/mo
Today · 4.125%
HK$8,365
baseline
▲ 0.50% · 4.625%
HK$8,874
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,730/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,756
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,991
−HK$239/mo
Today · 4.125%
HK$9,230
baseline
▲ 0.50% · 4.625%
HK$9,716
+HK$486/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,460/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,445
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,739
−HK$299/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,648
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,076/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,508
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,790
−HK$285/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,659
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,150/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,362
−HK$349/mo
Today · 4.125%
HK$11,711
baseline
▲ 0.50% · 4.625%
HK$12,423
+HK$712/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,422/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,259
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,588
−HK$333/mo
Today · 4.125%
HK$12,921
baseline
▲ 0.50% · 4.625%
HK$13,602
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,842/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,168
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$447/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,973
+HK$917/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,762
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,184
−HK$429/mo
Today · 4.125%
HK$16,613
baseline
▲ 0.50% · 4.625%
HK$17,489
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,226/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).